Florida Banking June/July 2026

There’s a common misconception that only global institutions have access to top-tier fraud intelligence. SHAZAM® Fraud Advisors™ helps level the playing field. • Through SHAZAM, community banks gain access to: • Enterprise-grade, AI-driven fraud detection • Expert analysis tailored to their institution Peer intelligence shared through trusted user forums In an era shaped by autonomous fraud tools and increasingly invisible attacks, Fraud Advisors ensures there’s a human shield in place, focused not just on stopping fraud, but on protecting communities. Backed by 50 years of payments expertise and a reputation for exceptional service, SHAZAM delivers innovative solutions designed to strengthen community banks. As a member-owned organization, we listen and collaborate with our clients to develop the tools they need to grow and serve their accountholders. Learn more at shazam.net.

generative AI to automate attacks, clone voices, fabricate documents and manipulate legitimate customers into authorizing transactions themselves, often making the activity appear “all green” to traditional systems. For community banks, the stakes are especially high. Every incident carries a human cost measured not only in dollars, but in trust. Why technology alone isn’t enough Many fraud strategies still focus on what happens after fraud occurs: disputed transactions, card replacements, customer apologies and loss recovery. In an AI-driven threat environment, that reactive model no longer holds up. Modern debit fraud unfolds in milliseconds. When detection, decisioning and response are spread across disconnected systems, institutions are already at a disadvantage. Even the most advanced technology, however, requires informed human oversight to be effective. Community banks often face an expertise gap, relying on generic support models that lack institutional context and

make it harder to keep pace with evolving tactics. The result is a familiar posture: identify and stop the fraud, absorb the loss and hope the next attack looks like the last one. From first-dollar protection to sustainable performance By stopping fraud before the first dollar leaves an account, financial institutions protect accountholders while reducing write-offs, operational costs and regulatory exposure. Stronger controls lead to fewer disputes, lower loss ratios and less staff time spent on remediation. Just as importantly, proactive fraud management strengthens accountholder relationships. When local families know their bank is staying ahead of evolving threats, trust—the foundation of community banking—deepens. Industry research continues to link stronger fraud controls to higher customer satisfaction and retention, particularly as awareness of AI-driven scams grows. Scaling “mega-bank” intelligence without losing the local difference

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